Collection services for businesses with overdue Spanish invoices consist of four sequential capabilities, each building on the previous: a certified burofax demand activating Ley de Morosidad interest at ECB + 8 pp, a field visit to the debtor’s registered premises by a Spain-based agent, the procedimiento monitorio (LEC Art. 812) producing enforceable title in 20–45 days for documented undisputed debts, and post-judgment enforcement via embargo de cuentas (bank garnishment) or embargo de bienes (asset seizure). No upfront fee on the amicable phase. No minimum invoice amount on the monitorio. Commercial limitation period: 5 years, interruptible by the burofax.
The Five Collection Services That Actually Move the Needle
1
Burofax (Certified Demand)
Spain’s legally recognised certified postal demand. Delivered by Correos (Spanish Post), provides proof of content and receipt. Starts the interest clock under Ley de Morosidad. Interrupts the 5-year limitation period. Required pre-step before most court filings.
Day 1€25-50Legally evidenced
2
Field Visit & Amicable Collection
Physical attendance at the debtor’s registered and operational premises by a Spain-based collector. The most impactful single action in Spanish debt collection. Converts months of remote inaction into days of response. Combined with professional negotiation, resolves 60-70% of cases without court involvement.
Days 2-3Included in contingency
3
Procedimiento Monitorio
Spain’s fast-track payment order (LEC Art. 812). Court reviews documentation ex parte. No upper amount limit. Debtor has 20 days to pay or contest. Uncontested: enforceable title in 20-45 days. Contested: converts to juicio ordinario (6-18 months). Used when amicable collection fails on undisputed debts.
Day 10+€800-2,50020-45 days uncontested
4
Post-Judgment Enforcement
Once enforceable title is obtained (via monitorio or full civil proceedings), enforcement tools include: embargo de cuentas (bank account garnishment), embargo de bienes (physical asset seizure), anotación preventiva (real property charge), and embargo de créditos (seizure of the debtor’s receivables from their own customers).
Post-monitorioMultiple instruments
5
Debtor Solvency Assessment
Before any action: Registro Mercantil check (filed financials, directors, corporate status), ASNEF/RAI debtor registry search, LinkedIn and web presence review. Confirms whether the debtor is actively trading, whether the debt is worth pursuing, and which assets are identifiable for enforcement. Saves time and resource on unviable files.
Before instructionIncluded in assessment
Business Types We Serve
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Manufacturers & Exporters
Supply chain invoice disputes. Goods delivered, payment withheld. Monitorio strongest here with delivery documentation.
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Professional Services
Consulting, IT, legal, architectural fees. Acceptance documentation critical. Email chain substitute for signed contract.
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Logistics & Freight
Bills of lading + customs documentation = strong monitorio file. Freight invoice disputes resolve fast with local presence.
A South Korean materials supplier owed €41,000 by a Madrid manufacturing company, 93 days overdue. The Madrid company had filed a partial quality dispute on €6,000 of the invoice. Strategy: monitorio for the undisputed €35,000. Separate negotiation on the disputed €6,000 with a 30-day deadline. Day 1: instruction. Burofax + field visit Day 3. Managing director present at the factory. Day 7: debtor’s procurement manager calls. Day 12: full €41,000 settlement (including the disputed €6,000, resolved with a €1,200 credit note). Monitorio was prepared for the undisputed amount but the full settlement preceded the filing.
Spanish company owes your business money?
All five collection services. No upfront fees. 24-hour assessment.
5service layers
€0upfront
24hassessment
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Alan Perez
Barcelona-based Senior Collections Manager. Expert in Spanish commercial debt recovery, monitorio proceedings, and cross-border B2B enforcement for international creditors.
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